New construction with existing land

Conversations with an architect (and for comparison Viebrockhaus) have been held. The single-family house is planned at 385k including VAT and ancillary costs.

What does the calculation include? Where do ancillary construction costs, exterior facilities, painting, and floor coverings appear? Viebrockhaus is just as standardized as any general contractor and turnkey basically does not include this and that. Has the V. house already been fully planned with all extras? But since Viebrockhaus is one of the more expensive providers, one must assume 2000€/sqm in Lower Saxony as well. Therefore, it should not remain at 385k, and even 420k may not be enough or only barely sufficient. I see equity here only for the kitchen, furniture, and lamps; everything else should be financed.

As it stands now, I would not be listed in the land register even after the construction. We have agreed with the notary on a partnership agreement that includes separation accordingly. This means that if our paths ever part, I would be the one to leave the shared house. I would then receive 50% (we want to each pay half of the construction) plus any increase in value (or minus any decrease in value) and could then look for something new. Quite pragmatic. The notary said this was customary. Since as it stands I am not entering the land register, this is the only way for me to secure myself.

You do realize that your partnership agreement will not interest the financing bank? In case of separation, you both remain debtors; the bank does not have to agree to release one borrower from liability. Two borrowers are better than one. Let's sum it up: your partner is alone in the land register and thus sole owner. The debts for the house belong to you at 50%. In case of separation, you have to assert your rights legally (worst case). Well done.

What alternative do you suggest? At the appointment with the notary, it seemed to me that there was no alternative.

What alternative do you suggest? At the appointment with the notary, it seemed to me that there was no alternative

Land register, everything else is nonsense. The parents have to understand that the shell = house also has value. In the worst case, you put yourself in a weaker position. Alternative: your partner also finances alone, you have nothing to do with the house.

Land register, everything else is nonsense. The parents have to understand that the shell = house also has a value. You put yourself in a weaker position in the worst case. Alternatively: your partner finances alone, you have nothing to do with the house

I still see one (simple) possibility: buying half of the land from the parents or the woman. Maybe you can also agree on a "friendly price." The thing with the partnership agreement somehow seems too risky to me the longer I think about it.

Yes. We have already discussed this idea as well. Thank you for your suggestions. The partnership agreement also seems increasingly opaque and problematic to me.